UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. ________________)*
Hanover Bancorp, Inc.
(Name of Issuer)
Common Stock
(Title of Class of Securities)
410707103
(CUSIP Number)
Check the following box if a fee is being paid with this
statement ______ (A fee is not required if the filing
person: (1) has a previous statement on file reporting
beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment
subsequent thereto reporting beneficial ownership of five
percent or less of such class.) (See Rule 13d-7).
*The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to
the subject class of securities, and for any subsequent
amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page
shall not be deemed to be "filed" for the purpose of Section
18 of the Securities Exchange Act 1934 ("Act") or otherwise
subject to the liabilities of that section of the Act shall be
subject to all other provisions if the Act (however, see the
Notes).
<PAGE>
CUSIP NO. 410707103 13G
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
BANK OF HANOVER AND TRUST COMPANY
23-6392818
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
A ____
B ____
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
"HANOVER, PENNSYLVANIA"
5 SOLE VOTING POWER
NUMBER OF "195,713"
SHARES
BENEFICIALLY 6 SHARED VOTING POWER
OWNED BY
EACH
REPORTING 7 SOLE DISPOSITIVE POWER
PERSON WITH "195,713"
8 SHARED DISPOSITIVE POWER
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
"195,713"
10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
6.67%
12 TYPE OF REPORTING PERSON
BK
<PAGE>
SIGNATURE
After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this
statement is true, complete and correct.
February 11, 1997
Date
\s\ Paul Stevenson
Signature
Vice President/Trust Officer
Name/Title
